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How To Prove To Insurance Damage Is From Lightning

Home How To Prove To Insurance Damage Is From Lightning insurance is a staple in most people’s lives. In fact, more and more people are choosing to buy supplementary coverage to protect their assets. This means that when something happens—like a lightning strike—insurance companies will often require proof that the damage was caused by lightning. If you’ve been hit by lightning and your home insurance company isn’t convinced it was an accident, you may find yourself in for a long battle. Here are some tips on how to prove to them that the damage was caused by lightning.

What is an Insurance Claim?

If you’ve been in a car accident and suffered damage, you may be wondering how to prove that the damage was caused by lightning. In most cases, it’s pretty easy to do. The Insurance Institute for Highway Safety (IIHS) has developed a number of guidelines for proving lightning-related damage.

First, take photos or video footage of the scene of the accident and any damaged areas. Use a camera with a long lens if possible, to get good shots of the entire area around the damaged area. If you have proof that lightning struck near your car, your insurance company may be more likely to pay for repairs or replacements.

Second, gather evidence related to the weather conditions at the time of the accident. This includes reports from weather stations in the vicinity of where the accident occurred, as well as radar data if available. Weather data can help verify whether there were severe thunderstorms present at the time of the crash.

Third, speak with witnesses who were in or near your car at the time of the accident. Ask them about what they saw and heard, and whether they noticed any unusual weather conditions leading up to or during the crash.

Fourth, contact your insurance company and provide them with all of the documentation you’ve gathered so far. Let them know that you believe that lightning caused your car damage and ask them to investigate further. If they don’t think that lightning was responsible, they may choose not to

The Different Types of Lightning Damage

There are many different types of lightning damage that can occur. The most common is electrical damage, which can cause fires and other electrical problems. Other types of lightning damage include physical damage (such as smashing windows), and property damage (such as destroyed roofs). Each type of lightning damage has its own unique set of symptoms and requirements for proving it was caused by lightning.

Electrical Damage

Electricity can travel through objects and cause devastating electrical injuries. Electrical injuries can cause fires, shocks, and even fatalities. To prove that electrical damage was caused by lightning, investigators will need to find an electric shock event associated with the damaged property. This event may be recorded on a circuit recorder or witnessed by the victim or another person in the vicinity at the time of the injury.

Physical Damage

Physical damage caused by lightning typically results in broken glass or other sharp objects called shrapnel flying through the air. These objects can penetrate skin and inflict serious wounds. Physical damage is often difficult to determine unless witnesses or video footage exists documenting the incident. In some cases, physical evidence such as shrapnel or broken glass may still be present after a storm has passed. Forensic experts may be able to identify these items using specialized equipment.

Property Damage

Property damage refers to any impairment of property, including but not limited to roofing, windows, cars, and vegetation. Property damage from lightning typically occurs when electric charges build up inside an object due to static electricity buildup or excessive voltage

How to Prove Lightning Damage Occured

When it comes to proving lightning damage occurred, there are a few methods that can be used. In general, the most common method is to take pictures of the damage and then compare them to weather reports for the time period in which the damage occurred. In some cases, video footage may also be helpful in proving lightning caused the damage.

Another common method is to use an electrical meter to measure the amount of current that was flowing at the time of the lightning strike. If there was a significant increase in current flow, this can be evidence that lightning caused the damage.

In some cases, it may be difficult or impossible to determine whether or not lightning caused a particular instance of damage. This is especially true if the damage occurs outdoors and there is little evidence of a lightning strike nearby. In these cases, it may be necessary to consult with an expert in order to determine whether or not lightning caused the damage.

What to Bring to a Property Inspection

What to Bring to a Property Inspection When Inspecting for Lightning Damage

When inspecting for lightning damage, homeowners should make sure to bring the following items: an inspection report from a qualified professional, photos of any affected areas, scale drawings of any affected areas, and eyewitness testimony. Homeowners can also use the checklist below to help ensure nothing was missed during the inspection.


After reading this article, you should have a better understanding How To Prove To Insurance Damage Is From Lightning of how lightning can damage property and what you can do to prove it. By following the guidelines provided, you will be able to provide insurance companies with evidence that lightning was the How To Prove To Insurance Damage Is From Lightning cause of the damage. This will help reduce your overall premium costs and could even result in a reduction in your deductible. Make sure to read through all of the information before beginning your investigation so that you are as prepared as possible.

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